Search found 296 matches

by Bruce
Tue Nov 29, 2016 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 25
Views: 2195

Re: Landlord for first time - tips and things to know?

Get this book and keep it handy! Landlording: A Handymanual for Scrupulous Landlords and Landladies Who Do It Themselves by Leigh Robinson Best advice I can offer is read that book and use the wisdom it contains. Has some great ideas on incentivizing your tenants to pay early and stay current with t...
by Bruce
Tue Nov 22, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 7
Views: 791

Re: Looking for Black Friday tax software deals (HRBlock)

Not sure "Black Friday" is the best day to shop for this product. Just today bought HR Block 2016 Deluxe Federal return only software direct from the HR Block online store for $19.95 after getting a targeted email from HR Block (I surmise from using their software last year). Software alre...
by Bruce
Fri Nov 11, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: FERS TSP contribution percentage: How to
Replies: 5
Views: 400

Re: FERS TSP contribution percentage: How to

Yes, you can contribute up to $18,000 per year into TSP. It is a great way to save. Make sure you do not hit that cap early in the year, or you risk losing out on your employer match for the remaining pay periods. One way is set your biweekly contribution amount to $693 and let it run, the last cont...
by Bruce
Sat Nov 05, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Decisions
Replies: 36
Views: 4753

Re: Pension Decisions

One consideration I have not seen mentioned yet is a simple break even analysis. Here is one easy to use calculator at https://www.calcxml.com/calculators/lump-sum-or-payments If you assume a growth rate in the lump sum of whatever percent, how many years does it take before the annuity option is a ...
by Bruce
Fri Aug 26, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 51
Views: 5720

Re: FERS retirement: Final taxes and TSP

Victoria,

Was just reading this helpful post, and am curious if you might post a short update how your planning estimates stacked up against your actual experience now that you have the benefit of hindsight.

Best regards,
by Bruce
Fri Apr 01, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Driving from San Jose, Costa Rica to Guanacaste, Costa Rica
Replies: 17
Views: 1515

Re: Driving from San Jose, Costa Rica to Guanacaste, Costa Rica

If I were going to Guanacaste as my main destination I would choose to fly into the Liberia Airport instead of San Juan. There are a number of car rental facilities at or near the Liberia airport. I was quite happy NOT to be driving a rental car in Costa Rica on our visit this year, the number of on...
by Bruce
Sat Mar 26, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in timber and land
Replies: 6
Views: 728

Re: Investing in timber and land

Welcome to the Forum, There are actually quite a few posts and threads on this forum about investing in timber land, either a single parcel or a REIT. Just type "timber" into the search bar and you will find them. If you are getting other benefits you enjoy out of this land ownership, grea...
by Bruce
Sat Jan 23, 2016 12:21 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 11326

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

Also long time turbo tax user trying HR Block this year for the first time.

I was able to import last years Turbo tax return with no problem into the H+R Block software, but pointed it at the .tax2014 file, not the pdf version of that file.

So far the H+R Block interface is working well for me.
by Bruce
Sun Jan 10, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 3509

Re: Alaska in July, first time RV

Or you can use the Alaska Marine highway as your own "cruise ship"

Many trip ideas on their website

Here is one using the ferry from Valdez back to Whittier with your RV.
http://www.dot.state.ak.us/amhs/sample/ ... _pws.shtml
by Bruce
Sat Jan 09, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 3509

Re: Alaska in July, first time RV

http://www.nps.gov/dena/learn/kidsyouth ... vity-2.pdf

Your seven year old will love the sled dog kennels at Denali and can have fun doing the junior ranger activities with Mom and Dad.

The RV camping experience is great for families with kids.
by Bruce
Sat Jan 09, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 3509

Re: Alaska in July, first time RV

http://www.toursaver.com/ is another great resource for activities to think about.

Summer is the best time for RV camping and all of the other activities that cater to the summer tour season.


Enjoy,
Bruce
by Bruce
Sat Jan 09, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 3509

Re: Alaska in July, first time RV

Check out the trip planning info at http://www.greatalaskanholidays.com They are a quality company to consider renting from as well, and can answer all of the questions you ask even if you don't. If you rent, get the extra damage insurance they offer, a cracked windshield from loose gravel is a comm...
by Bruce
Sat Jan 09, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Medical Resident asset class help
Replies: 5
Views: 565

Re: Medical Resident asset class help

Bill Bernstein offers advice you can take and trust, the reason he recommends 80/20 as a high end for stock allocation is there is little added benefit to go more stock heavy, you are not well compensated for the added risk over time. until you have lived through multiple down markets, the idea of S...
by Bruce
Sat Jan 02, 2016 7:44 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 657
Views: 26402

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2098.5

And hoping to be well below the actual year end number!

Happy New Year

Bruce
by Bruce
Sat Jan 02, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: New HR Block Tax software user initial feedback report
Replies: 11
Views: 1266

Re: New HR Block Tax software user initial feedback report

thanks for all the feedback, just noticed this software is a "deal of the day" at Amazon on Jan 2 2016 and appears to be the lowest price I have seen for the product.

Regards,
Bruce
by Bruce
Wed Dec 30, 2015 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: New HR Block Tax software user initial feedback report
Replies: 11
Views: 1266

New HR Block Tax software user initial feedback report

Just got my 2015 HR Block Deluxe tax software in the mail from Amazon, trying this product for the very first time since Vanguard dropped the Turbotax freebie, after well over 20 years of using Turbotax. So far my experience using this new HR Block software is just fine, software loaded quickly, and...
by Bruce
Thu Dec 24, 2015 2:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 5900

Re: My Christmas Gift to You

Thanks Taylor, For the message, your service and your willingness to share your knowledge and wisdom. This fall I had the amazing opportunity to pay a visit to Bastogne with my son and brothers. The heroism and sacrifice of the 101st Airborne is still honored and remembered with great respect in Bel...
by Bruce
Wed Dec 23, 2015 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 44298

Re: Vanguard TurboTax - Not Available 2015?

Tried the Fidelity link, but with my un-exalted account size the offer is just $20 off, which makes the price of Turbotax deluxe without State at $25. Turns out that is the same price HR Block Deluxe is on Amazon now for 2015 Federal only, so went ahead and ordered the HR Block. Both brands include ...
by Bruce
Sun Dec 06, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 44298

Re: Vanguard TurboTax - Not Available 2015?

No need to import data, just makes it a lot faster to complete a return.

You can always type in your own data.

Regards,
by Bruce
Fri Nov 20, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 23
Views: 3740

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Just wanted to thank all of the Bogleheads for the helpful info and advice. Taylor, you should know while in Bastogne (now a thriving market town) it was evident a lot of Europe is truly proud of the (and your) accomplishments of the 101st Airborne. We met a great group of British men who admire the...
by Bruce
Fri Nov 20, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 24744

Re: Vanguard Partnering with Yodlee

This user experience so far, quite unimpressed with Yodlee. Outside account simply stopped display yesterday, with instruction to reenter them using the outside accounts feature (and the Yodlee add on.) Using an IMAC have not been able to load outside accounts with either safari or firefox, the tech...
by Bruce
Fri Aug 28, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement with a pension
Replies: 38
Views: 5051

Re: Early retirement with a pension

Lt. Metz There is a downside to every job, only you can decide your best opportunity. Slightly different take on this problem, (and it really is a good problem to have that you are dealing with). What is the opportunity cost you are giving up by not taking the pension you could get today and do some...
by Bruce
Fri Jun 19, 2015 9:04 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 23
Views: 3740

Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes 4 brothers from the US meeting together this fall in London, to retrace Allied Forces WW2 history in France, Belgium and ?? Looking for advice from the wisdom of the Bogleheads. We have a car and 7 days total and at this ...
by Bruce
Wed Mar 11, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: College Financial Planning
Replies: 6
Views: 922

Re: College Financial Planning

This is one source of information on the topic I consider useful and credible,
http://www.thecollegesolution.com/category/blog-2/money/college-savings-plans/

regards,
by Bruce
Tue Mar 10, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Option Question- SORRY LONG AND DETAILED
Replies: 9
Views: 2049

Re: Retirement Option Question- SORRY LONG AND DETAILED

Hex, I have no experience or info on your Colorado plan. But if your goal is to retire at 55 your savings and investing plan are going to be key, not just your proposed pension. Ideally your pension will just be a minority part of your total retirement savings and income. Keep on track with your sav...
by Bruce
Sun Mar 08, 2015 7:45 am
Forum: Personal Finance (Not Investing)
Topic: question about pensions for people with TSP
Replies: 11
Views: 1520

Re: question about pensions for people with TSP

pension (1% for every year of service, 1.1% if she waits until age 62 to retire) One additional consideration, for basic FERS the qualifier for 1.1% pension multiplier instead of 1% is not just age 62, but also 20 years of federal service. Age 62 is also the starting age for cost of living adjustme...
by Bruce
Thu Mar 05, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Good Expensive Dental Plans
Replies: 12
Views: 1324

Re: Good Expensive Dental Plans

https://www.metlife.com/brokers/benefit-products/group-employee/dental-health-benefits/group-dental-hmo.html You are likely correct, the info from the website talked about California and managed dental plans, but it may well be only an option for employee group coverage. No direct experience as an i...
by Bruce
Thu Mar 05, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Good Expensive Dental Plans
Replies: 12
Views: 1324

Re: Good Expensive Dental Plans

Don't know about California and implants, but have you looked at MetLife Dental as an option?

For what they do cover, they seem to process claims quickly and pay providers faster then many.
by Bruce
Mon Mar 02, 2015 12:00 am
Forum: Personal Consumer Issues
Topic: Congratulations to EmergDoc [Scholarship fund started]
Replies: 7
Views: 2816

Congratulations to EmergDoc [Scholarship fund started]

Just wanted to highlight our own fellow Boglehead "Emergency Doc" , creator and author of the White Coat Investor book and web site has started up a scholarship fund for med students. Since the ER Doc has made well over 10,000 posts on this website helping individuals out, thought there mi...
by Bruce
Sun Feb 22, 2015 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Yes, another Pension / Lump Sum dilemma !
Replies: 15
Views: 1806

Re: Yes, another Pension / Lump Sum dilemma !

You have two good choices, either one you pick is ok. In many respects you have won the investing "game", and no longer have a need to take on additional risk. There is no right or wrong answer here. You are the only one who knows your risk tolerance. The low risk solution for you is the 2...
by Bruce
Mon Jan 19, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Buyout Question
Replies: 5
Views: 696

Re: Pension Buyout Question

Unlikely you would be able to roll a pension buyout into a Roth IRA unless you have a unique circumstance, much more realistic that you would be eligible to have your cash out go into a rollover traditional IRA, and defer taxes on distributions until you start taking IRA withdrawals downstream. Care...
by Bruce
Fri Jan 02, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 31300

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2098.73

Happy New Year!
by Bruce
Sat May 17, 2014 12:59 am
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 4690

Re: Are Tornado Shelters Worth the Cost?

Just saw this in a news story, a tornado expert had one built in his Oklahoma home. Carbin said most tornado deaths and injuries are caused by blunt trauma to the head or neck, either by getting hit by debris or from being tossed by the winds. However, Carbin noted that more than half of recorded to...
by Bruce
Sun May 04, 2014 11:24 am
Forum: Personal Finance (Not Investing)
Topic: If You Can [free Bill Bernstein booklet for millennials]
Replies: 28
Views: 7344

Re: If You Can [free Bill Bernstein booklet for millennials]

Thanks Bill,

Made sure my college student daughter read it now that she is through with final exams.

Appreciate your making this available!

Great info.

regards,
by Bruce
Fri May 02, 2014 3:50 pm
Forum: Investing - Theory, News & General
Topic: "Advice I'll Pass On To My Daughter" [Clements column]
Replies: 5
Views: 2197

Re: "Advice I'll Pass On To My Daughter"

Very timely post Taylor, Thanks for bringing that back into view, and thanks for taking the time you have "invested" in putting together your collection of gems. Just printed out a copy of the article for my college student daughter and handed it to her. Now that her finals are over, she a...
by Bruce
Tue Apr 29, 2014 6:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Berkshire Hathaway Annual Meeting Attendance
Replies: 16
Views: 3296

Re: Berkshire Hathaway Annual Meeting Attendance

Be sure and drive out to the airport and tour the NetJets display.

Fun to see how the pro golfers and Berkshire board members travel.
by Bruce
Sat Apr 19, 2014 8:55 pm
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 13
Views: 974

Re: Binocular Recommendation Request

Eagle Optics has a great selection. Their own brand is pretty competitive price-wise Agree Eagle Optics is well worth checking out. They sell their own brand as well as others. I own two sets of their Eagle Optics Ranger brand of binoculars. Great website, solid advice as well. http://www.eagleopti...
by Bruce
Sat Apr 19, 2014 8:29 pm
Forum: Personal Consumer Issues
Topic: Best "Online Service" Hotel Room/Car Deals
Replies: 12
Views: 1597

Re: Best "Online Service" Hotel Room/Car Deals

Picking up a car at Hertz in Park Ridge, IL will allow you to avoid the 28% taxes and fees at Chicago - O'Hare (7% taxes). Pricing between the airport locations and local locations can be substantial. Wondering about the cost of getting from O'Hare to the Park Ridge Hertz to take advantage of this ...
by Bruce
Tue Apr 15, 2014 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: 22 Y/O Cadet Advise
Replies: 8
Views: 810

Re: 22 Y/O Cadet Advise

Cadet pay is earned income, and earned the hard way (I recall some related saying about "..... a nickel at a time"). I know your free time is scarce and precious, but make the time to read Taylor's investment gems post of excerpts from Dr Bill Bernstein's "If You Can: How Millennials ...
by Bruce
Thu Apr 10, 2014 10:24 pm
Forum: Personal Consumer Issues
Topic: Seward AK to Denali, back to Anchorage
Replies: 8
Views: 1281

Re: Seward AK to Denali, back to Anchorage

Seward to Denali is a long and tiring day. You might consider taking the train to Anchorage, spending a night or two,and then taking the train to Talkeetna and arranging a flightseeing tour of Denali and part of Denali Park. Here are a list of authorized flight tour operators in the Park. All are go...
by Bruce
Wed Mar 05, 2014 9:15 pm
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 5987

Re: How much is a fair hourly fee?

Rick, Two thoughts on what might be a high end and low end. Vanguard charges $1000 for a financial plan (with discounts all the way down to free for higher asset levels). Investor fills out a questionnaire which gets plugged into a software program, and ends up with about one to two hours of actual ...
by Bruce
Mon Mar 03, 2014 3:49 pm
Forum: Personal Consumer Issues
Topic: Please help with my SUV purchase
Replies: 40
Views: 3883

Re: Please help with my SUV purchase

Second the recommendation to look hard at Hyundai Santa Fe, and also suggest you check out Hyundai Vera Cruz. Both have 100,000 mile warranty , both burn regular gas instead of premium. Both have available 3rd row seating. We test drove all of the brands you mentioned and ended up as owner of one Sa...
by Bruce
Wed Jan 22, 2014 5:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 28797

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor, You have already done an amazing amount of good in your time on this planet, and you continue to share your knowledge and wisdom with the rest of us, at a time many others have decided to just take it easy. Truly appreciate your contributions to our country and to this forum. ...
by Bruce
Tue Jan 07, 2014 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 5963

Re: The Rent is Late

Glad you are working to resolve the situation. I was once a land lord (and glad I am not anymore), but I found the advice in Leigh Robinson's book invaluable and helpful with a tenant falling behind in rent. Worked with her over the years, and even eventually sold the tenant the property where she s...
by Bruce
Sat Jan 04, 2014 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Best place to start Coverdell ESA account?
Replies: 12
Views: 1882

Re: Best place to start Coverdell ESA account?

Not sure Vanguard will let you open a new Coverdell college savings account anymore, I also have these accounts for my kids at Vanguard, but Vanguard now appears to be offering only the 529 account option for new college savings accounts, I think since late 2010 when it looked like the annual Coverd...
by Bruce
Fri Jan 03, 2014 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Please Help a 36 Yr Old With $7m+ Portfolio
Replies: 66
Views: 12456

Re: Please Help a 36 Yr Old With $7m+ Portfolio

You are getting some thoughtful advice. I just wanted to make one clarification to Laura's helpful post. Bill Bernstein writes some great books that are well worth your time to read, but his investment firm actually has a higher minimum investable asset portfolio size then currently fits your profil...
by Bruce
Mon Dec 23, 2013 9:08 am
Forum: Investing - Help with Personal Investments
Topic: does VG offer a SPIA indexed to CPI or so ?
Replies: 8
Views: 935

Re: does VG offer a SPIA indexed to CPI or so ?

BobK
Thanks for taking the time to put together a very informative and useful reply.

I am not in the SPIA market yet, but the links and info you provided helped me learn some very helpful info for future planning.


regards,
by Bruce
Thu Oct 24, 2013 7:40 am
Forum: Investing - Theory, News & General
Topic: how to set up roth for my son
Replies: 11
Views: 1053

Re: how to set up roth for my son

Congratulations to your son, hope your son develops a thick skin and high degree of self confidence from his experience and is soccer referee in a league where coaches and parents are advised that ref abuse turns away the young referees needed to grow the game. YES he can set up a Roth IRA, however ...
by Bruce
Tue Oct 22, 2013 3:18 pm
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 2876

Re: What to Read After the Bogleheads Guide to Investing?

I recommend The Investor's Manifesto by Bill Bernstein. And if you go to his website it is hard to find a better list of addtional reading then http://www.efficientfrontier.com/reading.htm Bill writes, "Those of you who are seeking investing enlightenment are not going to find much of it on the...

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